Lenzcard
Card Issuing Profitability

Every BIN, on one P&L.

Interchange income, scheme costs, fraud losses and rewards, brought together per BIN, product and customer segment.

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app.lenzcard.com / issuing / portfolioSample data

Income vs cost by product (USD K / month)

BIN-level P&L

Classic

4xxxxx-08

31.2K+33%

Platinum

5xxxxx-21

54.8K+9%

Travel

4xxxxx-12

48.1K-22%

Commercial

5xxxxx-40

71.6K+41%

01

Product truth

See which card products earn and which subsidise.

02

Reward discipline

Reward cost measured against the income it generates.

03

Scheme leverage

Data for incentive and renewal negotiations.

Features

What's inside.

BIN-level P&L

Income and cost per BIN range.

Product margins

Classic, gold, platinum, commercial, prepaid compared.

Segment view

Margin by customer segment and channel.

Fraud cost layer

Net fraud losses attributed to product.

Rewards modelling

Points liability and redemption cost included.

Incentive tracking

Scheme incentives allocated to the products that earn them.

How it works

Four steps to value.

  1. 1Connect issuing data
  2. 2Attribute income and cost
  3. 3Compare products
  4. 4Rebalance the portfolio

Example insight

Travel card rewards outpace income

Rewards cost on BIN 4xxxxx-12 exceeds interchange plus fees by 22% over two quarters.

USD 96,000 / year

Illustrative sample finding

FAQ

Questions, answered.

Works well with

Scheme Fee Optimizer

Parse scheme invoices line by line. Flag overcharges. Track recoveries.

Explore

Interchange Optimizer

Find downgrades and qualification gaps before they cost you.

Explore

Merchant Acquiring Profitability

True P&L per merchant, MCC, channel and portfolio.

Explore

See every basis point.

A 30-minute walkthrough on your own fee structure. No slides.

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